Get a recommendation

The first step in applying for a venture loan

"For the acceptance of entrepreneurial loans, the applicant must first obtain the recommendation from the labor bureau or local communities and other departments," said the person in charge of personal loans of Changsha Bank. "Relevant recommendation is the first step in obtaining a venture loan."

"Encouraging college students to start their own businesses mainly refers to college students, master students and doctoral students with college education or above, who initially set up various enterprises or engage in self-employment in Changsha during their school days or two years after graduation, and serve as the legal representative of the established enterprises or individual industrial and commercial households." The relevant person in charge of the Changsha Municipal Labor Bureau said.

The person in charge also said that zero-employment students, laid-off workers, low-income households and families with disabilities who start their own businesses will be given key encouragement and support. College students who want to start a business in Changsha should go through the settlement formalities in the public security department with "three certificates and one book" (ID card, graduation certificate, employment registration certificate for graduates, household registration book) and industrial and commercial registration certificate.

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You can apply for free funding, and each project is generally less than 200,000 yuan.

"Self-employed college students can apply for a small secured loan of up to 50,000 yuan at the community labor and social security management service center where their household registration is located." The person in charge of the personal loan of Changsha Bank told the reporter, "If college students work in partnership or organization and have certain self-owned funds and corresponding counter-guarantee conditions, they can give secured loans according to the amount of less than 50,000 yuan per person, with a maximum of 500,000 yuan."

It is with this 50,000 yuan that Gao Cheng, a graduate of Central South University, and his classmates jointly opened a printing factory. "For college students with entrepreneurial ideas, entrepreneurial loans can be described as a gift in the snow." Gao Xiao said.

"College students' entrepreneurial projects can apply for free funding and be approved by relevant departments. Each project is generally below 200,000 yuan, which does not exceed the investment quota of the enterprise's own funds. "The relevant person in charge of the Changsha Municipal Labor Bureau said," The first phase will allocate 60% of the total amount of approval, and the rest will be allocated after the first phase of funds is approved. Apply for financial loan discount, the audited discount period is generally not more than 2 years, and the total annual discount can reach up to 654.38+10,000 yuan. "

At the same time, all districts (counties, cities) should set up small loan guarantee institutions, and the municipal finance will give subsidies according to the scale of government guarantee funds of all districts (counties, cities) of 2: 1. Encourage social loan guarantee institutions to support college students to start their own businesses, and the municipal and district (county, city) governments will help them reduce their entrepreneurial risks through appropriate subsidies.

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Small secured loans support emerging projects, up to 2 million yuan.

According to another introduction, Changsha can provide a small secured loan of up to 2 million yuan for emerging projects independently founded by college students according to the scale of the enterprise. The maximum loan period is two years, and the financial department at the same level will give a discount at 50% of the benchmark loan interest rate.

It is understood that the scientific and technological projects of college students' self-employment are funded by their superiors, and the municipal, district (county, city) science and technology departments give 30% and 20% funding to their superiors respectively, with matching funds of not less than 50,000 yuan; A one-time grant of 50,000 -654.38+ 10,000 yuan will be given to projects or innovations approved by superiors but without financial support.

Within three years of self-employment, local income from business tax and personal income tax shall be reduced or exempted by the finance at the same level, and municipal administrative fees shall be free; Projects rated as good growth can continue to enjoy preferential policies for two years.

In addition, every year, Changsha will select 30 successful examples of self-employment of municipal college students, each with a reward of 50,000-80,000 yuan, and the reward funds must be used for additional investment and expanded reproduction.